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Obamacare: What happens when you can't afford to pay?

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  #76 (permalink)  
Old 01-22-2014, 07:50 PM
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Good luck, hope no one gets cancer or has an accident and you lose everything...
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Old 01-22-2014, 09:22 PM
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Good luck, hope no one gets cancer or has an accident and you lose everything...
Some people can't afford insurance anymore. They used to have policies, but now have nothing thanks to Obamacare. Some just couldn't afford the rates doubling or tripling. That means all expenses for their health care now come out of their own pocket. If they need care and spend all their money on doctors, they might not be able to afford to pay the fine. If they can't pay the fine, the government can garnish their wages, which would cause even greater hardship or the government can take their property.

Would liberals even feel anything for middle class people who lose their homes because Obamacare made health care too expensive for them and they couldn't afford the fines?

People who were comfortable with what they had now face some tough choices and they could end up losing everything. Pelosi said she thought going to jail was fair for people who failed to pay fines. Yea, that'll teach people not to be able to afford something.

****ing idiots who support Obamacare because the workers subsidize them. They could care less about those people who are forced by government to sacrifice everything for the benefit of those who only know how to receive and never give.
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  #78 (permalink)  
Old 01-22-2014, 09:49 PM
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Sure, if you live in Pub Propaganda World...

Z, don't worry, you won't have those free preventive care tests, so by the time you find out you have cancer or many other things, it'll be too late anyway. Ah, life with Pubcare...
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The USA is the only modern country in the world where full time workers live in poverty and have no health care (750k bankruptcies a year, most HAVE insurance - crap insurance!)After 30 years of Voodoo: worst min. wage, work conditions, illegal work safeguards, vacations, work week, college costs, rich/poor gap, upward social mobility, % homeless and in prison EVAH, and in the modern world!! And you complain about the victims? Are you an idiot or an A-hole?
Pubs have blocked EVERYTHING since 2/4/2010- don't be duped...again. Stimulus worked-ran out in 2010.
Total Pub Propaganda BS: ACORN, Kenyan Muslim Marxist,Tides, Mosque, Death Panel, lose your doctor, huge costs, DEBT CRISIS, Obama Recession, stimulus failed, Barney Frank, Nazi Soros, Nazi socialists, Volt suqs, Iran making bomb etc etc.
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  #79 (permalink)  
Old 01-22-2014, 09:55 PM
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Good luck, hope no one gets cancer or has an accident and you lose everything...
Some people can't afford insurance anymore. They used to have policies, but now have nothing thanks to Obamacare. Some just couldn't afford the rates doubling or tripling. That means all expenses for their health care now come out of their own pocket. If they need care and spend all their money on doctors, they might not be able to afford to pay the fine. If they can't pay the fine, the government can garnish their wages, which would cause even greater hardship or the government can take their property.

Would liberals even feel anything for middle class people who lose their homes because Obamacare made health care too expensive for them and they couldn't afford the fines?

People who were comfortable with what they had now face some tough choices and they could end up losing everything. Pelosi said she thought going to jail was fair for people who failed to pay fines. Yea, that'll teach people not to be able to afford something.

****ing idiots who support Obamacare because the workers subsidize them. They could care less about those people who are forced by government to sacrifice everything for the benefit of those who only know how to receive and never give.
You are talking to a wall. The bodycount will decide the next two elections.
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  #80 (permalink)  
Old 01-23-2014, 12:24 AM
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What happens when a person can't afford health insurance that the law now requires?

Answer:
They don't buy insurance, and end up getting slammed with a tax at the end of the year. Obamacare taxes the poor.


What happens when a person can only afford a plan with the highest possible deductible, in order to keep their monthly premium down?

Answer:
They can't afford to actually use their health insurance, because they have a little to no disposable income. Thus, they cannot afford the deductibles, co-pays, and co-insurance costs associated with actually going to the doctor. Obamacare directly imposes financial hardships on low income people, which they cannot even benefit from.


What happens when a person can't afford to pay their deductibles, but they have an emergency medical problem and end up in the ER?

Answer:
They don't have the money, so they don't pay. Obamacare does absolutely nothing to address the problem of increasing costs of health care due to poor and low income people fail to pay medical bills.


So how is it exactly that Democrats can justify supporting this monstrosity?
Hmm, now let's assume Obamacare does not exist. If a family can't afford health insurance, what do they do when one of them gets sick? Who pays? If they get really sick, and the bills go into the hundreds of thousands or even more, who pays?

What you fail to mention is that under Ocare, if you are really poor, you go on Medicaid. If you are a low income earner and do not qualify for Medicaid, then the government subsidizes your premium so that it is affordable enough for you to pay for it. In some cases, you may even receive cost sharing making deductibles very low. The fact is that for low income earners, Obamacare is a Godsend and anyone choosing not to take advantage of it is an idiot. Those who are being hurt by Ocare are those who earn just enough to not receive a subsidy and who are also older. They are getting clobbered by Ocare, because the rates are astronomical for this group of people. This is something that needs to be addressed.
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  #81 (permalink)  
Old 01-23-2014, 12:55 AM
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Premiums cannot exceed 9.5% of income.
You call that affordable?

Let's take someone making $9/hr, single and no dependents

$9 * 2080 hrs = $18,720 yearly income.

18,720 * .85 = $15,912 est. after tax income

$15,912 / 12 = $1326 monthly after tax income


Rent -- $500
Utilities -- $100
Food -- $200
Phone -- $50
Misc toiletries -- $50
Car Ins -- $50
Gas -- $200
Obamacare -- $148

Total monthly expenses = $1298
Total monthly useable income = $28

Quote:
Are you suggesting that these people should remain uninsured?
I'm not suggesting that anyone should do anything, and the question does not address the point. Obamacare is an assault on the poor and low income people in our country.
I've posted similar calculations over and over. The difference is I included they also don't get subsidies according to the calculator. They cannot afford the insurance.
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  #82 (permalink)  
Old 01-23-2014, 12:59 AM
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Premiums cannot exceed 9.5% of income.
You call that affordable?

Let's take someone making $9/hr, single and no dependents

$9 * 2080 hrs = $18,720 yearly income.

18,720 * .85 = $15,912 est. after tax income

$15,912 / 12 = $1326 monthly after tax income


Rent -- $500
Utilities -- $100
Food -- $200
Phone -- $50
Misc toiletries -- $50
Car Ins -- $50
Gas -- $200
Obamacare -- $148

Total monthly expenses = $1298
Total monthly useable income = $28

Quote:
Are you suggesting that these people should remain uninsured?
I'm not suggesting that anyone should do anything, and the question does not address the point. Obamacare is an assault on the poor and low income people in our country.
Total monthly useable income = $28

not even the co pay amount on one office visit
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  #83 (permalink)  
Old 01-23-2014, 01:01 AM
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You call that affordable?

Let's take someone making $9/hr, single and no dependents

$9 * 2080 hrs = $18,720 yearly income.

18,720 * .85 = $15,912 est. after tax income

$15,912 / 12 = $1326 monthly after tax income


Rent -- $500
Utilities -- $100
Food -- $200
Phone -- $50
Misc toiletries -- $50
Car Ins -- $50
Gas -- $200
Obamacare -- $148

Total monthly expenses = $1298
Total monthly useable income = $28



I'm not suggesting that anyone should do anything, and the question does not address the point. Obamacare is an assault on the poor and low income people in our country.
That person would get a subsidy and help with paying the out if pocket expenses.

Are you of the opinion that it us better to remain uninsured?
LOL...

so they will not pay a dime...and get it for free..



nothing new here.
perhaps

but that does nothing for the young and healthy covering

the costs of the old and sickly signing up in droves
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  #84 (permalink)  
Old 01-23-2014, 04:41 AM
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What happens if they can't afford to pay??

Easy.

The taxpayers of America will be picking up the tab.
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  #85 (permalink)  
Old 01-23-2014, 06:28 AM
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ran the numbers $18,720 yearly income

Based on a household size of one and income of $18,700, you may qualify for a $339/month tax credit you can choose to apply to your premium for these plans. This tax credit has been applied to the premiums below.

Simplicity $5,000
HMO | Bronze
Sanford Health Plan

Monthly premium

$27/mo
One enrollee
Premium before tax credit: $366/mo
Deductible

$5,000/yr

Per individual

Out-of-pocket Maximum
$6,350/yr

Per individual

Copayments/Coinsurance:

Primary Doctor: 40% Coinsurance after deductible
Specialist Doctor: 40% Coinsurance after deductible
Generic Prescription: 40% Coinsurance after deductible
ER Visit: 40% Coinsurance after deductible

---------------------------

Health plans for one individual, age 27

Based on a household size of one and income of $18,700, you may qualify for a $145/month tax credit you can choose to apply to your premium for these plans. This tax credit has been applied to the premiums below.


Simplicity $5,000
HMO | Bronze
Sanford Health Plan
APPLYDETAILS
Monthly premium

$52/mo
One enrollee
Premium before tax credit: $197/mo
Deductible

$5,000/yr

Per individual

Out-of-pocket Maximum
$6,350/yr

Per individual

Copayments/Coinsurance:

Primary Doctor: 40% Coinsurance after deductible
Specialist Doctor: 40% Coinsurance after deductible
Generic Prescription: 40% Coinsurance after deductible
ER Visit: 40% Coinsurance after deductible
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  #86 (permalink)  
Old 01-23-2014, 06:52 AM
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Yeah. Come up with that 5 or 6 thousand dollar deductable.

Yup. The Affordable Care Act. Gotta wonder just who the hell its affordable for outside of those we taxpayers will be subsidizing.

The poor will pay little or nothing.

The rich can afford whatever they want.

The middle class will get ****ed as usual.
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  #87 (permalink)  
Old 01-23-2014, 08:31 AM
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Sure, if you live in Pub Propaganda World...

Z, don't worry, you won't have those free preventive care tests, so by the time you find out you have cancer or many other things, it'll be too late anyway. Ah, life with Pubcare...
Oh gosh another liberal fallacy and I don't think you meant it. FREE? In his example he would be paying 13000/year doesn't seem like anything would be FREE. I guess in Dem world everything coming from the government is FREE, to them.
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Old 01-23-2014, 08:34 AM
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That person would get a subsidy and help with paying the out if pocket expenses.

Are you of the opinion that it us better to remain uninsured?
LOL...

so they will not pay a dime...and get it for free..



nothing new here.
perhaps

but that does nothing for the young and healthy covering

the costs of the old and sickly signing up in droves
You too some day will be old and maybe, hopefully not, become sickly. The price for the insurance isn't cheap just because you are sickly or old. Of course it depends on what you consider "old."
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Old 01-23-2014, 09:13 AM
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You call that affordable?

Let's take someone making $9/hr, single and no dependents

$9 * 2080 hrs = $18,720 yearly income.

18,720 * .85 = $15,912 est. after tax income

$15,912 / 12 = $1326 monthly after tax income


Rent -- $500
Utilities -- $100
Food -- $200
Phone -- $50
Misc toiletries -- $50
Car Ins -- $50
Gas -- $200
Obamacare -- $148

Total monthly expenses = $1298
Total monthly useable income = $28

I'm not suggesting that anyone should do anything, and the question does not address the point. Obamacare is an assault on the poor and low income people in our country.
That person would get a subsidy and help with paying the out if pocket expenses.

Are you of the opinion that it us better to remain uninsured?


By the way....you make a good argument for raising the minimum wage.
Pay attention people.

That is YOU and ME paying for this persons healthcare insurance. Not their health care. But their insurance.

This is called 'redistribution'.
No its not. For the five thousandth time, all insurance depends on the premiums of the healthy to pay for the care of the sick/injured.

And, why don't the rw's mind paying for 100% of the unpaid medical bills under reagan's socialist EMTALA?
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Old 01-23-2014, 09:16 AM
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Wink

Sure, if you live in Pub Propaganda World...

Z, don't worry, you won't have those free preventive care tests, so by the time you find out you have cancer or many other things, it'll be too late anyway. Ah, life with Pubcare...
Oh gosh another liberal fallacy and I don't think you meant it. FREE? In his example he would be paying 13000/year doesn't seem like anything would be FREE. I guess in Dem world everything coming from the government is FREE, to them.
At no cost then, hater dupe. And there's more you get than that. He should actually SEE what's involved, just like all the other chumps of the greedy idiot rich. Real competitition hasn't even started yet. Good things take time- especially with Pubs and insurers messing things up, just like bad things, like the Pub/Voodoo ruin of the nonrich and the country 1982-2009- Even before the SECOND pub cronyism and corruption 2008 Meltdown, or the total incompetence of 9/11 and the two longest and stupidest wars EVER.
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The USA is the only modern country in the world where full time workers live in poverty and have no health care (750k bankruptcies a year, most HAVE insurance - crap insurance!)After 30 years of Voodoo: worst min. wage, work conditions, illegal work safeguards, vacations, work week, college costs, rich/poor gap, upward social mobility, % homeless and in prison EVAH, and in the modern world!! And you complain about the victims? Are you an idiot or an A-hole?
Pubs have blocked EVERYTHING since 2/4/2010- don't be duped...again. Stimulus worked-ran out in 2010.
Total Pub Propaganda BS: ACORN, Kenyan Muslim Marxist,Tides, Mosque, Death Panel, lose your doctor, huge costs, DEBT CRISIS, Obama Recession, stimulus failed, Barney Frank, Nazi Soros, Nazi socialists, Volt suqs, Iran making bomb etc etc.
[U]I'm sorry- dupes are lovely people- but I can't take their lazy, ignorant, careless, stupid politics a minute longer. Sorry

Last edited by francoHFW; 01-23-2014 at 09:25 AM.
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